渣打银行有关专家认为，随着人民币国际化进程的加快，人民币在国际上正逐步成为主流货币得到国际社会的认可。目前，日本、马来西亚以及泰国等多个国家正在考虑将人民币纳入其储备货币序列。 

Standard chartered bank, experts say，With the quickening of the process of RMB internationalization，The yuan in on international is gradually becoming the mainstream monetary get international recognition。At present，Japan、Malaysia and Thailand and other countries is considering the RMB into its reserve currency sequence。 

　　在新加坡，现在也有越来越多的当地企业开始选择用人民币进行贸易结算，因为结算周期可以缩短7至10天，从而有效地降低了外汇兑换成本。专家认为，选择人民币的另一个好处，是由于未来美元走势的波动较大，可以利用人民币来做对冲，以规避外汇风险。 

In Singapore，Also now have more and more local enterprise began to choose to use the trade settlement，Because settlement period can shorten 7 to 10 days，So as to effectively reduce the cost of foreign exchange。Experts say，Choose another advantage of the RMB，Since the future trend of the dollar is volatile，Can use the yuan to do hedge，To circumvent the foreign exchange risk。 

　　目前，为了推动贸易及投资流动性，中国已经同新加坡、马来西亚、巴基斯坦、澳大利亚以及新西兰等20多个国家的银行签订了货币掉期协议，并保障人民币供应稳定。而相比之下，美国并没有同多少个亚洲国家签订类似的协议，一旦欧债危机加剧，美元的流动性趋紧，那么它的供应量就会受到影响。也就是说，目前大量的国际贸易使用美元结算，若金融危机再度来临，美元短期，那么将使得美元的贸易融资成本大幅度提高，甚至可能导致无法融资。所以，专家认为，人民币是贸易结算的另一种不错的选择。 

At present，In order to promote trade and investment liquidity，China has with Singapore、Malaysia、Pakistan、Australia and New Zealand, more than 20 nations signed the bank currency swap agreement，And security RMB stable supply。By contrast，The United States and not with many Asian countries signed a similar agreement，Once the European debt crisis deepens，Dollar liquidity tightens，So its supply can be affected。That is，At present a lot of international trade to use dollars and settlement，If the financial crisis coming again，Us short-term，So will make the trade financing cost $significantly，Might even lead to cannot financing。so，Experts say，The yuan trade settlement is another good choice。 

　　据资料统计，在中国的进出口贸易中，人民币跨境交易结算所占的比重从2009年的几乎为零，升高至今年第二季度的10.7%。而渣打银行预测，这个比例将在2015年进一步增至20%。另据环球银行金融电信协会最新一期报告显示，欧洲3月份的人民币结算量已占全球人民币结算量的47%，超过了亚太区的41%。目前，欧洲已经成为继香港之后最大的离岸人民币结算区。 

According to statistics，In China's import and export trade，RMB cross-border transactions settlement from the proportion of the 2009 is almost zero，Rose to 10.7% in the second quarter of this year。And the standard chartered bank forecast，This proportion will be further increased to 20% in 2015。According to a global banking financial telecommunications association latest report shows，Europe in March JieSuanLiang RMB yuan have accounted for 47% of the global JieSuanLiang，More than 41% of the Asia Pacific region。At present，Europe has become the after Hong Kong's largest offshore RMB area。 

　　不久前，新加坡与中国签订了一项加强金融合作的协议，将授权新加坡当地的一家中资银行为清算银行，这意味着新加坡拥有人民币清算行的目标指日可待，而距离新加坡要把本土打造成人民币离岸中心的目标也越来越近了。 

Not long ago，Singapore and China signed a strengthening financial cooperation agreement，Will authorize a local Chinese Banks to Singapore for clearing Banks，This means that Singapore have RMB clearing bank goals within reach，And the distance to fight a native Singapore offshore RMB centre goal is also more and more close。 

　　渣打银行有关专家认为，新加坡设立人民币清算行将带来诸多的好处，一是可以扩大众多新加坡企业作为采购商和供应商在中国乃至整个东南亚地区的网络；二是新加坡可以充分发挥自己的地缘优势，通过跨境贸易积累更多的人民币存款，然后再逐步推动人民币资本市场的交易；三是新加坡本地的人民币清算行可以配合客户的需求来设定服务时间，以便更加灵活地为客户服务。即使在中国大陆或者香港的公共假日，新加坡的清算行仍可以为本地银行客户处理岸外付款，而不会受中港两地银行假日休息的影响，如此一来可以节省时间及资金成本。

Standard chartered bank, experts say，Singapore yuan clearing is set up to bring a lot of benefits，One is can expand many Singapore enterprise as buyers and suppliers in China and even the entire southeast Asia area network；2 it is Singapore can give full play to their advantage of location，Through the accumulation of cross-border trade more RMB deposit，And then gradually advance the yuan capital market；Three is Singapore local RMB clearing bank can cooperate with customer needs to set the service time，So that more flexible for customer service。Even in mainland China or Hong Kong public holidays，Singapore's clearing bank can still for the local bank customers into offshore processing payment，And not be Hong Kong bank the influence of both holiday，So can save time and capital costs。